Uche Ebereonwu is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Bank of America, Merrill, and First Bank of Nigeria Limited. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through its Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory capabilities with brokerage, distribution, and investment management services.

Samuel Jeppi is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill and Bank of America in 2025 and 2026 respectively, he worked at AlphaSense Inc. and held various roles at organizations including the University of Richmond and Instacart. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Viren Chadha is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to develop personalized strategies that align with their unique financial goals and life milestones. His approach emphasizes understanding each client's priorities to provide tailored advice and support. Viren's expertise includes college education planning, retirement income, portfolio management, small business strategies, socially responsible investing, and more. He holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned two bachelor's degrees in Financial Economics and Business Management from the University of Maryland Baltimore County. In addition to his professional work, Viren is involved in his community as a volunteer with Laurel Fire Station 10, serving as an EMT aid. His personal interests include biking, cooking, golfing, and pickleball.

Jules Klose is a CFP® professional with 11 years of industry experience, currently serving at Mass Mutual Investors Services since 2017. Prior to this, he was with Axa Advisors LLC from 2014 to 2017. He is also an agent with Thompson Financial Group, LLC, where he handles individual and group life and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides comprehensive planning through collaborative annual engagements using firm-approved analytical tools.

Zachary Payton is a Certified Financial Planner® at Raymond James Financial with 12 years of industry experience. He has worked at Raymond James since 2020 and previously held roles at Uber and Wells Fargo Advisors. Outside of his advisory work, he is involved with Merriweather Money Management in Columbia, MD. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse range of clients, including individuals, high-net-worth investors, institutions, and charitable organizations. The firm utilizes tailored, non-discretionary planning and analytical tools to support client goals and offers specialized programs such as municipal advisory services and SIMPLE IRA employer consulting.

Andrew Sipala is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds the Series 66 designation and has previously worked at Edward Jones. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets across a large network of financial advisors and offers both brokerage and advisory solutions.

Robert Goldbeck Jr. is a financial professional with four years of industry experience, currently associated with Cetera. He holds the Series 66 designation and has worked at various firms including Portfolio Advisory Associates and First Allied Securities. His background includes roles outside finance at GEA Mechanical Equipment US, Inc., GEA Process Engineering US, Inc., and Rohde & Schwarz. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and unaffiliated money managers and varied account structures.

Jonathan Moore is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. He has been with Wells Fargo Clearing Services since 2017 and has held roles at Wells Fargo Bank NA since 2001. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, incorporating a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

William Hardisky is a financial advisor with LPL Enterprise who holds a ChFC® designation and has 10 years of industry experience. His prior roles include work with Prudential Insurance Company of America and Pruco Securities, LLC. Outside of finance, he is involved in coaching sports and fitness at Loyola University Maryland, the National Football League, and the Baltimore Orioles. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and insurance products through an extensive network of investment adviser representatives.

James Mellendick is a financial advisor at LPL Financial with 21 years of industry experience and holds a Series 66 designation. His previous roles include positions at Wells Fargo Clearing, Wells Fargo Advisors, Wells Fargo Bank, and Morgan Stanley. He also works as a consultant for Coleman Research outside of his advisory responsibilities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, wrap and model portfolio programs, third-party asset management access, and institutional platforms, supported by a large network of advisors and technological tools for research and operations.

Patricia Veney is a financial advisor at OSAIC with 28 years of industry experience. She holds a Series 66 designation and has worked at firms including Woodbury Financial Services and Questar Capital Corporation. In addition to her advisory role, she is a CPA who provides tax preparation, consultation, and accounting services, and conducts financial workshops focusing on business and personal finance topics. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated advisers. The firm offers a range of brokerage and advisory services, utilizing asset-allocation tools and multiple investment platforms to construct portfolios that incorporate a broad array of asset types.

Kristi Dargan is a financial advisor with RBC Capital Markets holding a Series 66 designation and 17 years of industry experience. Her career includes roles at Deutsche Bank Securities Inc., DB USA Core Corporation, Raymond James & Associates, Inc., and RBC Capital Markets across multiple periods since 2020. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual and institutional clients with a range of advisory programs offering portfolio management, financial planning, custody, and brokerage services. The firm customizes investment strategies based on clients’ Advisory Risk Profiles and utilizes a combination of in-house and third-party managers, providing various options including responsible investing and tax management.

Suzanne Yoder is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009, following 14 years at Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individuals and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by a structured process and firm-approved tools.

William Eisentraut is a financial advisor at Osaic with a Series 66 designation and no prior industry experience. His work history includes positions at Fannie Mae and StoneBridge Advisors, Inc., and roles at the University of Maryland and UMD Recreation and Wellness. Osaic Wealth, Inc. serves a broad range of retail and institutional clients, offering integrated brokerage and investment advisory services, retirement plan consulting, and access to multiple advisory platforms. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios and supports both discretionary and non-discretionary account management.

Robert Sitton Jr. is a financial advisor with Morgan Stanley in Hunt Valley, MD, holding Series 63 and Series 65 licenses and having 45 years of industry experience. He has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2017 and previously held roles at SunTrust Advisory Services and SunTrust Investment Services. Outside of his advisory work, he is involved in property management as a sole proprietor. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning supported by firm-approved tools and models. The firm manages trillions in client assets and provides services through Financial Advisors and specialized estate planning groups.

Larry Holmes Jr. is a CFP® professional with 24 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2013 to 2016. Holmes is a co-trustee for his grandfather's investment-related trust in Monroeville, NJ. Wells Fargo Clearing provides retirement plan consulting and fiduciary services to qualified ERISA and non-qualified deferred compensation plans, offering investment policy development, performance reporting, participant education, and discretionary plan-level investment management. The firm’s approach includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Surbhi Satsangi is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. She has worked at Merrill and Bank of America, N.A., with her current tenure at Merrill starting in 2021. Outside of her advisory role, she is a co-owner of a family rental property business. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Pamela Gruver Adams is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management, where she has been serving clients since 1995. She is a partner of the Gruver Adams Jenkinson Group and specializes in advising high net worth families, business owners, physicians, retirees, and female investors. Pamela's approach involves a thorough and personalized discovery process, focusing on retirement planning, tax minimization, asset preservation, growth maximization, and wealth transfer. Pamela holds several professional credentials, including the Certified Private Wealth Advisor (CPWA®) designation, Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is a graduate of American University and has also studied at The Wharton School of the University of Pennsylvania and the London School of Economics. Her expertise encompasses areas such as divorce transition planning, liquidity management, portfolio management, small business strategies, special needs planning strategies, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. In her personal life, Pamela is active with Success in Style, an organization supporting women pursuing employment. She enjoys biking, genealogy, hiking, reading, skiing, and spending time with her family. Pamela lives in Clarksville, Maryland, with her husband, Brian Baumgardner, and their family.

Todd Sajauskas is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and 20 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and previously was with Citigroup Global Markets from 2006 to 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a broad range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Michael Feranec is a financial advisor with Morgan Stanley in Lutherville, MD, holding a Series 66 designation and 22 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its advisory services.